So, what are your houserules?
Mine are as follows.
1. Banned items: Radiant, Reckless, Staff of Ruin, Iron Armbands and Bloodclaw.
2. Penalties can't stack and they can't be unnamed penatlie sources. Ergo, a penalty from an item can't be combined with another penalty from an item and there's no such thing as an unnamed/untyped penalty..
3. The DMG2 "automatic scaling for magic items" feature. Basically, you get the effects of magic items without the need for them.
4. Add the effects of the expertise to the character's hit roll. Expertise feat banned.
Nothing else really...